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Last Updated: April 2, 2026, 4:51 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 544055 | NSE: MUTHOOTMF

Muthoot Microfin Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹158.39Fairly Valued by 5.59%vs CMP ₹150.00

P/E (15.0) × ROE (8.2%) × BV (₹158.00) × DY (2.00%)

Defaults: P/E=15

₹88.96Overvalued by 40.69%vs CMP ₹150.00
MoS: -68.6% (Negative)Confidence: 49/100 (Moderate)Models: 1 Fair, 4 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹84.7032%Over (-43.5%)
Earnings PowerEarnings₹71.7219%Over (-52.2%)
Net Asset ValueAssets₹158.0119%Fair (+5.3%)
EV/EBITDAEnterprise₹25.1516%Over (-83.2%)
ROCE CapitalReturns₹101.6513%Over (-32.2%)
Consensus (5 models)₹88.96100%Overvalued
Key Drivers: EPS CAGR -46.5% drags value — could be higher if earnings stabilize. | Wide model spread (₹25–₹158) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: -46.5% · Defaults: P/E=15

*Investments are subject to market risks

Investment Snapshot

49
Muthoot Microfin Ltd scores 49/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health45/100 · Moderate
ROCE 5.8% WeakROE 8.2% AverageD/E 3.48 High debtInterest Coverage 0.0x RiskyProfitable 4/5 years Consistent
Smart Money45/100 · Moderate
FII holding down -2.29% (6mo) SellingDII holding up 0.71% MF buyingPromoter holding at 55.5% Stable
Earnings Quality60/100 · Moderate
Working capital: 22 days (improving) Efficient
Quarterly Momentum40/100 · Moderate
Profit (4Q): -201% YoY Declining
Industry Rank50/100 · Moderate
ROCE 5.8% vs industry 9.1% Average

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 4:51 am

Market Cap 2,565 Cr.
Current Price 150
Intrinsic Value₹88.96
High / Low 210/119
Stock P/E
Book Value 158
Dividend Yield0.00 %
ROCE5.80 %
ROE8.19 %
Face Value 10.0
PEG Ratio0.00

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Muthoot Microfin Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Muthoot Microfin Ltd 2,565 Cr. 150 210/119 1580.00 %5.80 %8.19 % 10.0
Satin Creditcare Network Ltd 1,617 Cr. 146 176/1318.42 2370.00 %11.9 %7.53 % 10.0
CreditAccess Grameen Ltd 19,095 Cr. 1,192 1,497/86039.4 4480.00 %9.55 %7.86 % 10.0
Industry Average7,759.00 Cr496.0023.91281.000.00%9.08%7.86%10.00

All Competitor Stocks of Muthoot Microfin Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue380444479564577643663662681555559576603
Interest 155168194221232231234237237222210211222
Expenses 152146150189208227273334428845333318304
Financing Profit741301351531371851569115-512164777
Financing Margin %19%29%28%27%24%29%24%14%2%-92%3%8%13%
Other Income 3412220111013
Depreciation 778991010111111111110
Profit before tax 70126128147130177147815-52263769
Tax % 18%25%25%25%4%32%23%24%25%-23%-7%18%10%
Net Profit 579596110125120113624-40163162
EPS in Rs 4.878.098.199.387.317.026.643.610.22-23.530.361.793.66
Gross NPA %2.75%4.61%4.40%
Net NPA %0.51%1.41%1.34%

Last Updated: March 3, 2026, 9:00 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 27, 2026, 7:45 am

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue7488606848331,4292,2492,5622,293
Interest 234291299340549866930865
Expenses 2435433694176587721,8801,800
Financing Profit271271675222611-248-371
Financing Margin %36%3%2%9%16%27%-10%-16%
Other Income 26121017625
Depreciation 314192127354344
Profit before tax 27120965213582-289-410
Tax % 26%8%22%27%23%23%-23%
Net Profit 20118747164450-223-302
EPS in Rs 17.631.590.624.1514.0326.37-13.05-17.72
Dividend Payout % 0%0%0%0%0%0%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)-91.04%-61.11%571.43%248.94%174.39%-149.56%
Change in YoY Net Profit Growth (%)0.00%29.93%632.54%-322.49%-74.55%-323.95%

Muthoot Microfin Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 6 years from 2019-2020 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:%
5 Years:24%
3 Years:45%
TTM:0%
Compounded Profit Growth
10 Years:%
5 Years:%
3 Years:%
TTM:-171%
Stock Price CAGR
10 Years:%
5 Years:%
3 Years:%
1 Year:-25%
Return on Equity
10 Years:%
5 Years:5%
3 Years:6%
Last Year:-8%

Last Updated: September 5, 2025, 3:46 pm

Balance Sheet

Last Updated: March 3, 2026, 1:12 am

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 114114114114117167168168
Reserves 7727937761,2031,4862,6372,4652,534
Borrowing2,4512,9973,0944,1076,6468,5898,1018,653
Other Liabilities 193187200167280197123138
Total Liabilities 3,5304,0924,1845,5918,52911,59010,85711,493
Fixed Assets 21109110121172215223209
CWIP 10000000
Investments 00006347354441
Other Assets 3,5093,9834,0745,4708,29411,32910,28010,842
Total Assets 3,5304,0924,1845,5918,52911,59010,85711,493

Reserves and Borrowings Chart

Cash Flow

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -602114-704-1,084-2,333-1,2721,382
Cash from Investing Activity + -6-66-38-74-180-225-128
Cash from Financing Activity + 707463801,3442,5671,671-1,485
Net Cash Flow 99511-66218754174-230
Free Cash Flow -61391-712-1,095-2,361-1,2991,361
CFO/OP -105%49%-222%-248%-298%-78%219%

Free Cash Flow

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow241.00541.00366.00413.00652.00764.00-7.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 0000023
Inventory Days
Days Payable
Cash Conversion Cycle 0000023
Working Capital Days -58-42-94-44-434522
ROCE %9%8%9%11%15%6%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 55.47%55.47%55.47%55.47%55.47%55.47%55.47%55.47%55.47%
FIIs 27.59%26.28%26.55%25.85%25.79%25.46%23.40%23.25%23.17%
DIIs 2.80%2.35%2.28%2.57%2.44%2.32%2.49%2.84%3.03%
Public 12.11%14.01%13.96%14.38%14.56%15.05%16.95%16.74%16.64%
Others 2.03%1.89%1.74%1.73%1.73%1.70%1.70%1.70%1.69%
No. of Shareholders 2,15,0981,86,0881,70,2611,62,5751,61,6551,58,9761,58,2211,52,2901,45,494

Shareholding Pattern Chart

No. of Shareholders

Muthoot Microfin Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Groww Banking & Financial Services Fund 69,018 1.97 1.23N/AN/AN/A

ROCE / ROE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) -13.2930.2014.194.150.62
Diluted EPS (Rs.) -13.0730.2011.983.970.62
Cash EPS (Rs.) -10.7228.4516.305.972.27
Book Value[Excl.RevalReserv]/Share (Rs.) 157.06164.48137.15115.3977.94
Book Value[Incl.RevalReserv]/Share (Rs.) 157.06164.48137.15115.3977.94
Revenue From Operations / Share (Rs.) 152.85133.15122.2972.9259.92
PBDIT / Share (Rs.) 40.8188.0167.4837.2828.66
PBIT / Share (Rs.) 38.2685.9365.2135.4627.01
PBT / Share (Rs.) -17.2434.1318.225.670.79
Net Profit / Share (Rs.) -13.2826.3714.034.150.61
PBDIT Margin (%) 26.7066.0955.1851.1247.82
PBIT Margin (%) 25.0364.5353.3248.6345.07
PBT Margin (%) -11.2725.6214.897.771.32
Net Profit Margin (%) -8.6819.8011.475.691.03
Return on Networth / Equity (%) -8.4516.0310.223.590.79
Return on Capital Employeed (%) 19.9338.5225.347.577.72
Return On Assets (%) -2.043.871.920.840.16
Long Term Debt / Equity (X) 0.210.340.853.033.48
Total Debt / Equity (X) 3.012.984.053.033.48
Asset Turnover Ratio (%) 0.220.220.200.170.16
Current Ratio (X) 1.371.451.5121.8420.97
Quick Ratio (X) 1.371.451.5121.8420.97
Interest Coverage Ratio (X) 0.731.701.441.251.09
Interest Coverage Ratio (Post Tax) (X) 0.761.511.301.141.02
Enterprise Value (Cr.) 8818.0910187.090.000.000.00
EV / Net Operating Revenue (X) 3.444.490.000.000.00
EV / EBITDA (X) 12.896.790.000.000.00
MarketCap / Net Operating Revenue (X) 0.801.500.000.000.00
Price / BV (X) 0.781.210.000.000.00
Price / Net Operating Revenue (X) 0.801.500.000.000.00
EarningsYield -0.100.130.000.000.00

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Muthoot Microfin Ltd. is a Public Limited Listed company incorporated on 06/04/1992 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is U65190MH1992PLC066228 and registration number is 066228. Currently Company is involved in the business activities of Other financial service activities, except insurance and pension funding activities. Company's Total Operating Revenue is Rs. 2561.69 Cr. and Equity Capital is Rs. 167.60 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Microfinance Institutions13th Floor, Parinee Crescenzo, Bandra Kurla Complex, Mumbai Maharashtra 400051Contact not found
Management
NamePosition Held
Mr. Thomas MuthootChairman & Non-Exe.Director
Mr. Thomas John MuthootExecutive Director
Mr. Akshaya PrasadNon Executive Director
Mr. Thomas George MuthootNon Executive Director
Mr. Alok PrasadIndependent Director
Mr. John Tyler DayNon Executive Director
Mr. Anil SreedharIndependent Director
Mrs. Pushpy B MurickenIndependent Director
Mrs. Bhama KrishnamurthyIndependent Director
Mr. T S VijayanIndependent Director

FAQ

What is the intrinsic value of Muthoot Microfin Ltd and is it undervalued?

As of 18 April 2026, Muthoot Microfin Ltd's intrinsic value is ₹88.96, which is 40.69% lower than the current market price of ₹150.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (8.19 %), book value (₹158), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Muthoot Microfin Ltd?

Muthoot Microfin Ltd is trading at ₹150.00 as of 18 April 2026, with a FY2026-2027 high of ₹210 and low of ₹119. The stock is currently in the middle of its 52-week range. Market cap stands at ₹2,565 Cr..

How does Muthoot Microfin Ltd's P/E ratio compare to its industry?

Muthoot Microfin Ltd has a P/E ratio of , which is below the industry average of 23.91. This is broadly in line with or below the industry average.

Is Muthoot Microfin Ltd financially healthy?

Key indicators for Muthoot Microfin Ltd: ROCE of 5.80 % is on the lower side compared to the industry average of 9.08%. Dividend yield is 0.00 %.

Is Muthoot Microfin Ltd profitable and how is the profit trend?

Muthoot Microfin Ltd reported a net profit of ₹-223 Cr in Mar 2025 on revenue of ₹2,562 Cr. Compared to ₹47 Cr in Mar 2022, the net profit shows a declining trend.

Does Muthoot Microfin Ltd pay dividends?

Muthoot Microfin Ltd has a dividend yield of 0.00 % at the current price of ₹150.00. The company is currently not paying meaningful dividends.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Muthoot Microfin Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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